Staff Data Analyst, Upstart
Credit Analytics
$157-217.5k
+ Bonus & Equity + Employee Stock Purchase Plan
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$157-217.5k
+ Bonus & Equity + Employee Stock Purchase Plan
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- 6+ years in professional experience in technology and financial industries
- Expertise in credit analytics, decision, and/or quantitative financial model development with Python, R, & SQL
- Experience in decisioning supported by large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, & Redshift
- Degree in Economics, Statistics, Engineering, Data Science or other quantitative fields
Desirable
- Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams
- Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and dashboards (e.g., Tableau, PowerBI, Looker), and to successfully influence and drive C-level decision-making
- Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products
- Experience in coaching and mentoring junior team members on technical subjects
What the job involves
- As a Staff Analyst at Upstart, you will join our Credit Analytics horizontal team, focusing on line of credit products
- You will lead workstreams in driving critical insights and decisions concerning credit performance and strategies, and contributing to the long term development in underwriting framework and analytics infrastructure.The credit oversight pillar is building out a best in class data driven credit forum, ensuring continuous feedback loop with product and business roadmaps
- You will be collaborating closely with other Data Analytics, Machine Learning, and Product teams, you will spearhead initiatives that support Upstart’s multi-product growth and extend our market leadership in lending
- Partner with the Data Analytics vertical teams, Machine Learning, Product, Engineering, and Finance teams to shape credit metrics and narratives, financial forecast, and driving consensus in the state of Upstart platform
- Influence Upstart’s credit platform and investor/lending community through informing decisions, opportunities, and risks, while supported by deep understanding and insights on Upstart’s machine learning model, credit, and valuation
- Lead and develop analytics on underwriting decisions, credit monitoring, model impacts, asset forecast, and valuation modeling to conduct in-depth analyses on credit data, trends, and anomalies that drive model and product decisions
- Build foundational forecast models, data pipelines, and automated reporting to enable robust and dynamic credit intelligence for Upstart analyst community
- Mentor junior team members on best practices and foster a center of excellence on data, credit, and analytics
Our take
Based in San Mateo, California, Upstart is piositioning itself as a leading AI lending marketplace, connecting millions of consumers with more than 100 banks and credit unions. In a market where credit access can be limited by traditional scoring methods, Upstart aims to make lending fairer and more accessible by using technology to better understand each borrowers true potential.
Upstart builds AI and cloud-based tools that help lenders approve more borrowers at lower rates. Its models analyze thousands of variables (not just credit scores) to predict creditworthiness more accurately. And through its platform, consumers can access personal, auto, and home-equity loans, as well as smaller "relief" loans, all through a seamless digital experience.
So far, its success is reflected in its high loan automation rate (over 90% of loans are fully processed without human intervention) and the billions in loan originations it has facilitated. The company continues to refine its AI models and expand its offerings, with the goal of helping lenders serve more customers while making borrowing easier and more affordable.
Freddie
Company Specialist at Welcome to the Jungle
Insights
-16% employee growth in 12 months
Company
Funding (last 2 of 6 rounds)
Apr 2019
$50m
SERIES D
Mar 2017
$32.5m
SERIES D
Total funding: $135.7m
Company benefits
- Comprehensive health plans
- 401k Plan
- Annual wellness reimbursement
- Disability insurance
- Generous vacation policy
- Flexible time off
- Parental leave
- Family forming benefits through Carrot
- Technology equipment budget
- Personal development budget
- Various clubs and extracurricular activities
- Catered lunches
- Fully stocked micro-kitchen
Company HQ
South San Mateo, San Mateo, CA
Leadership
David Girouard
(Founder & CEO)They started their career at Accenture and Booz Allen & Hamilton before working in Product Management at Apple and Virage. They left their role of 8 years as President of Enterprise at Google to found Upstart in March 2012.
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